Privacy Policy

About Us

BadCreditLoans.com (the “Website”) is operated by Chief LLC (the “Website Operator,” “We” or “Us”), which is a limited liability company established in Nevada. By your use of this Website you consent to the laws and jurisdiction of Nevada as it relates to your use of this Website. We manage and operate a database of customers and sell this information to businesses on behalf of visitors to our Website who have expressed an interest in a financial related service and have asked to be contacted by a representative of the business. We use various third party businesses including vendors, affiliates, and advertising networks in order to market the Website to prospective customers. We also market various third party services through advertisements or service request forms in which a visitor may be redirected away from our Website to another third party site. By using the Website you agree to our use of personally identifiable information or other identifiable information. In order to comply with the Gramm-Leach-Bliley Act, 15 U.S.C. 6802, this Privacy Policy will serve as the start of your customer relationship with us and it shall serve as the annual “privacy notice” as stated in the GLB Act. The Website may include links to third party sites. We are not responsible for the practices and policies of third party sites and we encourage customers to take heed of third party sites and fully read their policies if they collect PII.

This privacy policy replaces any privacy policy previously delivered to you or appearing on the BadCreditLoans.com website, any transaction agreement, or any other document previously delivered to you.  The terms of this privacy policy shall control until revised. This privacy policy is effective as of August 27, 2013.

Usage Agreement

BadCreditLoans.com is intended to be used only by legal residents of the United States, United Kingdom or Canada who are over the age of 18. By using the Website you agree to and accept the terms of this Privacy Policy. If you are not 18 years of age or older and a resident of the U.S., U.K. or Canada please do not use the Website. We do not collect or store information from individuals under the age of 18 for any purpose.

By submitting your contact information and other information you are granting us, and our affiliated sites and vendors, permission to contact you via phone, mail, email or direct mail. We treat information about our former customers the same way in which we treat current customer information.

Change Notification

The Website may update the Privacy Policy from time to time to document changes to our privacy practices. We reserve the right to alter our privacy practices and this Privacy Policy for any reason at any time. It is recommended that you read and review this Privacy Policy every time you access the Website or use any related service.

PII Procedures

The Website collects and compiles personally identifiable information (“PII”) through various methods including loan request forms. PII data is collected in order to contact, identify or locate a person and may include the following pieces of information: first name, last name, address, Social Security number, zip code, city, state, length of residence, whether you rent or own your residence, email address, driver’s license number, phone number, work phone number, time when you may be reached, birth date, where you are in the armed forces, source of income, employer’s name, duration of current employment, employer’s phone number, pay dates, your job title, how often you are compensated for your job, IP address, browser specifications, bank routing number, bank account number, type of bank account, name of your bank, bank phone number, amount of time with bank account, how you are paid, income per month or amount of loan desired.

We cannot guarantee that all of your PII will not be disclosed in ways not covered in this Privacy Policy. There may be circumstances in which the disclosure of your information happens as result of unlawful interception or transmission to a third party. Also, a legal situation may occur in which the disclosure of your PII or other information is required.

Opt-Out and Opt-In

We and our affiliates may promote services and products with a variety of methods including SMS, telephone calls, email and direct mail to visitors to the Website who have affirmingly requested to be communicated with through our opt-in process on our service request forms (the “Marketing Members”). Marketing Members will only receive communication from us for as long as they wish. Marketing Members can be removed from our communication list by sending an email to support@badcreditloans.com stating that they wish to be removed. You may opt-out of any SMS text messaging communication by sending the message “END,” “QUIT” or “STOP” in reply to the text message that you received. We will assume that you consent to receiving communication from us unless you contact us requesting otherwise.

Some sections of the Website may be inaccessible if PII is not submitted by the visitor. Note that we may not be the only buyer of your information if your PII was acquired from a third party affiliate or vendor. We are not responsible for communications you receive from third party companies who may have also acquired your contact information from another source.

Business Development

As we develop and grow, we may choose to buy additional businesses or assets, including customer information. In the event that we or one or more of our assets are acquiring, customer information may be one of the assets sold.

COOKIES 

A cookie is a file which contains data that is stored on a visitor’s hard drive.  This data includes information about the visitor.  A visitor has the option to reject a cookie and they still will be able to access our Website, however, the user may not have access to certain sections of our Website if cookies are disabled.  The purpose of using cookies is to allow us to track the intent of our visitors and enhance visitor experience while using our Website.  All cookies, including session cookies and persistent cookies, served on the Website are tied to PII that you provide.  Our affiliates and partners may use cookies on our Website, however, we cannot control or access cookies set by third parties.  

FOR CALIFORNIA RESIDENTS
On September 27, 2013, A.B. 370 was signed into law, amending the California Online Privacy Protection Act to require operators of commercial websites like BadCreditLoans.com to disclose: (1) How BadCreditLoans.com responds to “Do Not Track” signals; and (2) Whether third parties collect personally identifiable information (PII) about users when they visit BadCreditLoans.com.
BadCreditLoans.com does not engage in the collection of personally identifiable information (PII) about an individual consumer’s online activities over time and across third-party Web sites or online services. BadCreditLoans.com does not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to BadCreditLoans.com. BadCreditLoans.com does not permit third parties to collect PII about an individual consumer’s online activities over time and across different Web sites when a consumer uses BadCreditLoans.com.

Links

The Website may include links to third party sites. We are not responsible for the practices and policies of third party sites and we encourage customers to take heed of third party sites and fully read their policies if they collect PII.

Privacy Seals

The Website is tested and certified daily with McAfee and the website is McAfee SECURE™.  The Website has passed all security tests conducted by McAfee which help protect the visitor from viruses, spyware, identity theft, and other threats online.  We are fully committed to protecting your privacy.  Our McAfee trustmark is authentic and updated in real time.

Information Sharing

We have business relationships with various partners, including affiliates and vendors who have various offers that may be co-branded on the Website. These offers will be clearly identified on the request form prior to you completing the form. When you select a co-branded offer your PII will be submitted to our partner for review and the partner shall control the PII.

PATRIOT ACT
Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities. While BadCreditLoans.com is not a financial institution, lenders we work with are financial institutions. What this means to you: when you submit information to BadCreditLoans.com, we will ask for your name, physical address, mailing address, date of birth, and other information that will allow us to identify you. This information will be passed on to the lender that you are matched with on BadCreditLoans.com.

Security and Updates

Access to PII is restricted to employees of the company that need to know information in order to provide services to the customer. We have various procedural, technological and physical safeguards in order to keep your PII secure from unauthorized access. We strive to maintain accurate information and we would encourage you to take part in this process. To make any corrections to your personal information or verify any of your existing data you may contact support@badcreditloans.com.

In addition to using cookies and related technologies as described above, we also may permit certain third party companies to help us tailor advertising that we think may be of interest to users and to collect and use other data about user activities on our Sites and/or Services (e.g., to allow them to tailor ads on third party services). These companies may deliver ads that might also place cookies and otherwise track user behavior.

We use Google Analytics’ 3rd-party audience data such as age, gender and interests to better understanding the behavior of our customers and work with companies that collect information about your online activities to provide advertising targeted to suit your interests and preferences. For example, you may see certain ads on this website or other websites because we contract with Google and other similar companies to target our ads based on information we or they have collected, including information that was collected through automated means (such as cookies and web beacons). These companies also use automated technologies to collect information when you click on our ads, which helps track and manage the effectiveness of our marketing efforts.

You may opt out of the automated collection of information by third-party ad networks for the purpose of delivering advertisements tailored to your interests, by editing your Google Display Network ads’ preferences at http://www.google.com/ads/preferences/. For further information regarding the privacy practices of our advertisement provider, please visit http://www.google.com/privacypolicy.html.

Our contact information:

BadCreditLoans.com
945 McKinney St #619
HOUSTON, TX 77002
support@badcreditloans.com
800-245-5626

Privacy Permissions

We collect and combine personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) through various sources, including those discussed herein. We may obtain Information about you from third parties such as: credit reports, information about your home and demographic information. When you submit your request for information or quote, you are granting us permission to share your PII and Non-PII, including the contact and loan request data you submit with affiliated third parties, including affiliate companies and co-branded partners; you are also granting us permission to be contacted by us or our affiliated third parties, including affiliate companies and co-branded partners. Affiliated third parties include, but are not limited to, banks, commercial lenders, unsecured lenders, secured or titled lenders, and licensed loan brokers, financial service providers (such as mortgage and life insurance agencies), title service companies, debt and credit services companies and auto-finance companies. An “affiliate company” is a company under legal contract with us to fulfill services or is a company owned in whole or in part by us. A “co-branded partner” is a contracted partner with whom we work to provide co-branded services on our website. We do not engage in the collection of PII about an individual consumer’s online activities over time and across third-party Web sites or online services. We do not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to our site. We do not permit third parties to collect PII about an individual consumer’s online activities over time and across different Web sites when a consumer uses our site.